Benefit Reference Guide - The School District of Palm Beach County

Disability Income Protection
Family Care Credit Benefit – When you are disabled and incurring
child care expenses for your dependent child(ren) and participating
continuously in the Rehabilitation and Return to Work Assistance
program, The Hartford will, for the purpose of calculating your
benefit, deduct the cost of family care from earnings received from
work as part of a program of Rehabilitation, subject to limitations.
The reimbursement payment will begin immediately after you start
the Rehabilitation and Return to Work Program. The child must
be under 13 years of age or incapable of providing their own care
on a daily basis due to their own physical handicap or mental
retardation.
Survivor Income Benefit – If you were receiving a monthly
disability benefit at the time of your death, The Hartford will pay
your eligible survivor a lump sum benefit equal to three months of
your gross disability payment.
Ability Assist – Ability Assist helps you deal with life’s challenges
after a disability. The services available include:
• Easy access to professionals – toll-free, 24/7
• Up to five face-to-face sessions per year
• Financial and legal consultation
• Trusted online resources and tools
The Hartford offers the professional support of Ability Assist
to you at no additional cost if you have enrolled in the Long-
Term Disability plan. You and your family, including spouse and
dependents, can use these services for up to two years after The
Hartford has approved your LTD claim. You will be notified how to
access these services at the time your LTD claim is approved.
Additional Benefits Included with the
LTD Plan
Employee Travel Assistance Program – Just one phone call gives
employees and their families 24-hour access to a network of
emergency medical and legal resources any time they travel more
than 100 miles from home. The toll-free number to access these
services is 1-800-243-6108.
The Hartford’s Travel Assistance Program is provided by Europ
Assistance, the world’s leading assistance network. The program
provides three kinds of services for your business or vacation
travel - Pre Trip Information, Emergency Medical Assistance, and
Emergency Personal Services subject to terms and conditions of the
policy. All the travel services are simple to take advantage of from
start to finish.
Pre Trip Planning includes:
• Visa, Passport, inoculation and Immunization Requirements
• International “Hot Spots”
• Travel Advisories
• Foreign Exchange Rates
• Embassy and Consular Referrals
Emergency Medical Assistance includes:
• Medical Referrals, Medical Monitoring, and Medical Evacuation
• Repatriation
• Traveling Companion and Dependent Children Assistance
• Emergency Medical Payments
• Return of Mortal Remains
• Replacement of Medication and Eyeglasses
Emergency Personal Services includes:
• Sending and Receiving Emergency Messages
• Emergency Travel Arrangements
• Emergency Cash
• Locating Lost Items
• Legal Assistance
• Bail Advancement
• Translation
NOTE: These product descriptions do not constitute an insurance
certificate or policy. The information provided is intended only to
assist in the selection of benefits. Final determination of benefits,
exact terms and exclusion of coverage for each benefit plan are
contained in certificates of insurance issued by the participating
insurance companies.
Certificate(s) of Coverage for your insurance benefits are available
to you online throughout the year. A hard copy of these certificates
will not be mailed to you automatically. Your Certificate(s) of
Coverage are document(s) issued by the insurance company for
benefits registered with the State of Florida. These documents are
available for the benefits you selected during Annual Enrollment or
as a new employee.
To view or print a copy of a Certificate of Coverage, log on to
www.palmbeach.schools.org/riskmgmt.
www.myFBMC.com
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